Introduction
At APFSC (“we,” “us,” or “our”), we are committed to safeguarding your privacy and ensuring the security of your personal information. This Privacy Policy outlines our practices regarding the collection, use, and sharing of your information when you engage with our services, including visiting our website https://apfsc.org.
Information We Collect
We collect personal information that you voluntarily provide to us when you:
- Apply for our services: This may include your name, address, email address, phone number, Social Security number, financial account numbers, balances, bank account information, and payment histories.
- Communicate with us: Details you provide during consultations, customer service interactions, or through forms on our website.
- Use our website: Information such as IP addresses, browser types, and pages visited may be collected through cookies and similar technologies to enhance user experience (Federal Trade Commission – Online Tracking).
How We Use Your Information
The personal information we collect is utilized to:
- Provide and manage our services: Processing transactions, maintaining your accounts, and delivering customer support.
- Communicate with you: Sending updates, responding to inquiries, and providing information about our services.
- Improve our offerings: Analyzing user interactions to enhance our services and website functionality.
Information Sharing and Disclosure
We do not sell or rent your personal information to third parties. However, we may share your information in the following circumstances:
- For everyday business purposes: Such as processing your transactions, maintaining your accounts, responding to court orders and legal investigations, or reporting to credit bureaus (Consumer Financial Protection Bureau).
- With service providers: Trusted third-party companies that assist us in operating our business and delivering services to you, bound by confidentiality agreements.
- For legal reasons: When required by law or in response to valid legal processes (U.S. Department of Justice – Privacy & Civil Liberties).
Your Choices and Rights
Depending on your jurisdiction, you may have rights regarding your personal information, including:
- Access: Requesting a copy of the data we hold about you.
- Correction: Updating or correcting your information if it is inaccurate.
- Deletion: Requesting the deletion of your personal data, subject to legal and contractual obligations.
- Opt-out: Choosing not to receive certain communications from us (National Do Not Call Registry).
To exercise these rights, please contact us using the information provided below.
Data Security
We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include secure servers, encryption, and access controls (Federal Trade Commission – Data Security).
Third-Party Links
Our website may contain links to external sites not operated by us. We are not responsible for the privacy practices or content of these third-party websites. We encourage you to review their privacy policies before providing any personal information (Electronic Frontier Foundation – Privacy).
Children’s Privacy
Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have inadvertently gathered such data, we will take steps to delete it promptly (Children’s Online Privacy Protection Act (COPPA)).
Changes to This Privacy Policy
We may update this Privacy Policy periodically to reflect changes in our practices or for legal and regulatory reasons. We will notify you of any significant changes by posting the new policy on our website with an updated effective date (U.S. Securities and Exchange Commission – Privacy Notice).
Contact Us
If you have questions or concerns about this Privacy Policy or our data practices, please contact us at:
APFSC
30021 Tomas St Suite 300 Rancho Santa Margarita, CA 92688
Phone: +1-800-682-4007
Email: info@apfsc.org
Website: https://apfsc.org
By using our services, you acknowledge that you have read and understood this Privacy Policy and agree to the collection and use of your information as described herein.